SetAside: Sinking Funds App
Never stress about money again
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
Free up mental space knowing you’re finally in control of your money, not the other way around – supported by the simple, yet powerful sinking-funds method.
SetAside turns one savings account into many virtual sub-accounts.
Trick yourself out of Parkinsons Law,
stop spending money future-you is counting on,
and never stress bout money again!
WHY does it feel like you never have enough money?
Payday comes in, your balance looks great…
…and then car insurance hits.
Big, rare expenses always seem to show up at the worst time.
Most people think: “I just need to earn more.”
But even when the income goes up, the stress often stays.
That’s Parkinson’s Law:
The more money sits in your account, the more you spend – without noticing.
The real problem?
A part of your balance is already promised to future costs.
You just don’t see it.
When you buy a car, you don’t just buy the car.
You “sign up” for:
• yearly insurance
• new tires every few years
• repairs
• inspections and check-ups
Those expenses are guaranteed. They’re not “maybe”.
So a part of the money on your bank account already belongs to them.
But then what happens?
Parkinson’s Law happens:
You spend all the money – even the money your future self is counting on.
That’s why every bill feels like a punch in the face.
And it keeps happening again and again, right?
Fridge broken - $800
Laptop too slow - $1,200
New tires $800
Dentist $$$
House Repairs $$$
etc.
—
The solution: set money aside before you can spend it
SetAside is a simple personal finance and smart saving app based on the sinking funds method.
Sinking funds turn those guaranteed future costs into small monthly amounts, so you stop spending money your future self already needs.
Instead of guessing, you:
1. Create one extra savings account at your bank of choice.
2. Add all your future expenses into SetAside (car insurance, new phone, dentist, vacation, etc.).
3. SetAside calculates your monthly transfer amount. Set up one automatic transfer – and you’re done!
On your real account, you only see money that truly belongs to you.
In SetAside, you see exactly how much of your savings belongs to each expense.
No spreadsheets. No mental math. No surprises.
—
Typical expenses you can plan with SetAside:
• Car insurance (yearly)
• New tires (every 4 years)
• Car repairs (regularly)
• New iPhone (every 3 years)
• New MacBook (every 5 years)
• Dentist (yearly)
• Glasses (every few years)
• Annual vacation or trips (yearly)
• Taxes and government fees
• Vet costs for pets
• Furniture and home improvements
…and anything else that tends to “suddenly” appear.
—
How SetAside helps you feel richer without earning more
People who use this method often say:
“I don’t actually earn more, but it feels like I do. I never hit tight spots anymore, and every bill is easy to pay.”
You finally:
• feel calm when bills arrive
• follow through on your plans (vacations, upgrades, hobbies)
• build healthy money habits without complicated finance tools
SetAside is built for young adults, students, freelancers and anyone who wants simple, stress-free money management.
—
Key features
• Virtual sub-accounts for every future expense (sinking funds)
• Automatic monthly amount calculation for each expense
• Clear overview of how much of your savings belongs to what
• Support for one-time and recurring expenses
• Flexible due dates and intervals (yearly, every 2 years, every 4 years, etc.)
• Lightweight and focused - no confusing charts, no bank login required
• Privacy in mind: All data stays on your device and iCloud account
—
Why SetAside?
Schools rarely teach real-world money skills.
SetAside gives you a structure that finally makes sense:
If you’re tired of financial stress, surprise bills and broken plans, SetAside helps you take back control - one calm month at a time.
Download SetAside and start setting money aside for future costs that are guaranteed to come – and never feel financially stressed again.
—
Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://setasideapp.com/privacy
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Fixed an issue with iCloud sync leading to duplicated auto deposits.
The developer, ichbinjona.com, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Jona Ramos de la Rosa
- Size
- 12 MB
- Category
- Finance
- Compatibility
Requires iOS 18.6 or later.
- iPhone
Requires iOS 18.6 or later. - iPad
Requires iPadOS 18.6 or later. - Mac
Requires macOS 15.6 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.6 or later.
- iPhone
- Languages
- English and German
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- SetAside Pro $15.99
- Copyright
- © 2025 Jona Ramos de la Rosa
